Jobs at Encore Bank

Manages commercial credit portfolios by analyzing financial statements, cash flows, tax returns, projections, collateral, and risk ratings. Prepares credit memos, reviews loan documentation, monitors borrowing base certificates and construction draws, assesses asset quality, and supports loan approvals, modifications, and renewals. Partners with relationship managers, credit analysts, underwriters, approvers, and clients to resolve questions, address conditions, and ensure compliance with bank policies.

Leads debit card operations, including card maintenance, disputes, fraud monitoring, chargebacks, digital wallet tokenization, reconciliations, customer support, and regulatory compliance. Serves as the subject matter expert, supports workflow oversight, trains team members, resolves complex issues, maintains audit documentation, and collaborates with finance and internal departments to ensure accurate and efficient operations.

Manages commercial loan portfolios across non-owner-occupied CRE, C&I, and SBA lending. Reviews financial data, structures loans, prepares credit memos and offering memoranda, evaluates risk, monitors covenants and borrower performance, and ensures policy compliance. Partners with Relationship Managers, Credit Analysts, underwriters, approvers, and clients while mentoring junior analysts and overseeing portfolio asset quality, risk ratings, renewals, modifications, and construction-related credits.

Develops, retains, and grows commercial and middle-market banking relationships. Builds and manages a client portfolio, identifies financial needs, structures and analyzes complex credit transactions, evaluates financial statements and tax returns, presents loans to committees, negotiates credit terms, monitors repayment, and solicits new business. Coordinates treasury management solutions, provides exceptional client service, participates in community affairs, and may supervise one to two employees.

Coordinates commercial loan documentation, closings, renewals, modifications, extensions, payments, payoffs, and advances. Works with clients, Loan Operations, insurance agents, title companies, and attorneys to obtain documentation and resolve exceptions. Supports loan reviews, monitors past-due and maturing loans, and provides administrative and sales support to Commercial Relationship Managers and the Regional President. Provides customer service for deposit, treasury, and lending requests and may occasionally cover retail branch operations.

Processes domestic and international wire transfers, verifies signatures, manages initiator and approver functions, balances Federal Reserve and correspondent bank accounts, completes daily settlements and reports, and maintains procedures. Provides operational support to branches and internal departments while following bank policies, audit controls, BSA/OFAC, CIP, AML, and other regulatory requirements. Investigates unusual activity, processes returned mail, and supports end-of-day and beginning-of-day operations.

Analyzes commercial loan financials, cash flows, collateral, risk ratings, and asset quality. Prepares credit memos, reviews loan documentation, monitors borrowing bases and construction draws, addresses underwriting questions, and supports approval decisions. Partners with relationship managers, credit analysts, underwriters, clients, and senior leadership to manage portfolio risk and ensure compliance with bank policies.